LBS HSBC Loan Vs Local Loan

wonderpiece

以下是引用andrew_li在2006-3-15 17:29:00的发言：

while the interest is accumulating ...

come on mate, let's make some serious money

if i were the boss, however, i would have hired you as a finance director

[此贴子已经被作者于2006-3-15 18:19:46编辑过]

andrew_li

以下是引用wonderpiece在2006-3-15 18:19:00的发言：

come on mate, let's make some serious money

if i were the boss, however, i would have hired you as a finance director

Think twice before you make this offer since you may see your firm in liquidation soon after I have joined.

But thanks anyway.

amazingsummer

以下是引用wonderpiece在2006-3-15 16:14:00的发言：

getting 20k from HSBC is not difficult.  I borrowed the money easily, and all my colleagues managed to get the money.
Maybe it also partly because you guys previous salary is handsome or decent......

if you get a job in UK afterwards, don't worry about the repayment.  the loan tenor is usually 5 to 7 years, and you don't start paying back until 6 months after finishing study.  BUT, forget about the signing bonus!
but the interse rate 7.25%, not a low number :-)

also, feeling that you don't have a good understanding about IB.  Think before leap.
yes, you are right. Therefore, I am more than grateful if you would like to share with us your knowledge of IB.

站在水的中央

真的利息很贵呀！

我准备借8K，如果按照他们的SCHEME,七年还清，利息要付出去3K多。

手上有CFA计算器的都可以先评估一下这么借钱值不值得，或者直接拿excel算一下就可以的，那个MONTHLY PAYMENT可以用goal seek的功能算的。

wonderpiece

you don't have to stick with seven years, you could pay back in five years, as you wish.  and, 3K in seven years? 35 pounds a month?  that's even less than my utility bill!

i still think that an MBA student shouldn't be worrying about the interest.  otherwise, there's no point coming to the study, coz you are not going anywhere forward on your career ladder.  Be ambitious!

amazingsummer

同意wonderpiece的说法，过于担心还贷压力，其实是对自己的未来没有信心。

我们大家都应该勇敢一点……既然选择了这条路。

[此贴子已经被作者于2006-3-17 22:10:57编辑过]

amazingsummer

以下是引用icbcbj在2006-3-11 0:47:00的发言：

请大家参考一下04年的时候我的同学jerry在拿到visa后做的一个详细的关于英国签证的presentation, 我相信绝大多数问题的答案都可以在里面找到.不要试图去联系原作者,jerry同学目前在任劳任怨地为香港人民服务,无暇他顾.有问题的话可以跟贴,我会抽时间回答.目前我也正面临职业生涯的一个重大转折,可能以后回贴的时间会不太那么及时,不过我会尽量回答的.

嘻嘻，听上去，jerry同学好象进入了香港廉政公署ICAC商业罪案调查科……

站在水的中央

问申请HSBC贷款的过来人一个问题吧

我现在正在准备寄给他们的材料，

过去三个月的copies of full bank statements for all your accounts for the consecutive previous sthree months. 但是银行打出来的活期帐户的明细是不可以的。

那是要给他们什么呢？存款证明？实在比较晕啊

kevinao

bank statement is a must. try to complain to the local bank's head office. I prepared one statement by myself and ask the bank  for bank chop on it. Local Chinese banks don't know what is bank statement.

amazingsummer

kevin，从提交贷款申请到收到银行的贷款核准书，大概需要多少天数啊？

另外，Typically, the policy is likely to cost an amount ranging from £10 to £20 (or US$18 - 36) per month for the duration of the loan. The questions on the supplementary information form mostly relate to this requirement, and will help to save time at the meeting. HSBC Bank will expect you to provide the address and telephone number of your doctor in the UK when you attend your meeting, hence if you are coming to attend the programme from outside the UK you should register with a doctor as soon as possible on your arrival.

Q：这比保险费能debit from或者add to LOAN吗，还是需要额外缴付？register with a doctor又怎么操作呢？

[此贴子已经被作者于2006-4-10 19:49:57编辑过]